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A little venting, and a question....

Hey all you hotheads. I had my heart set on getting an RR. After getting the ball rolling, I decided to get an insurance quote before jumping in. I am in my early thirties, male, with a squeaky (clean) driving record. The quote came back at $4600/year! My vocabulary became quite colorful. What do the insurance companies think this bike is? A bomb with two wheels? Seriously, I could do way more damage to this world in my truck.........

Now, I was at one point undecided between a new Daytona 675 and the RR Honestly, I picked the RR for all of it's electronic safety gadgets the Daytona does not have. I am not going to lie, I like to twist the crap out of the throttle on occasion, but I am not a go fast on public roads kind of guy. (I had a way too fast car in my younger days, and got all that out of my system) I look at the RR, with proper attitude of course, as the safer bike. It has ABS and very impressive traction control, which I am a huge fan of. That being said, insurance on the Daytona will run my $2300/year. Not great, but atleast feasable, and HALF the RR.

So here is the question. If you do not mind sharing at least a near estimate of, how much does coverage on your RR cost? Did I just get an outrageous quote? Am I just with a bad company? Is there a horse power rating at which when crossed, the insurance companies simply get to kick you in the jewels? FWIW, quote on a K1300GT was $4200/year.....

S1000RR Insurance

I can't comment on the S1000RR but I have a K1300S, live in West Bloomfield, MI (can't imagine it's much more or less risk to insure here) and my insurance runs $600 for six months. So I think you're getting reamed.

I think you both need to ask around and to have a breakdown of that coverage so you can see what each part costs.
Part of the reason is no doubt that sportbikes are the choice of kids and CDC has noted they account for a disproportionate share of fatalities too.
I think you can do better if you look and you might want to consider different agents if that's the best your current folks can do for someone with a decent record. No reason at all to do business with cherry pickers- they're not really on your side anyway.

In my 60s, I insure multiple bikes at higher liability levels for not much money and I probably ride more than you do- its a 12 mth gig here.Still, I woludn't be surprised if insurance guys wanted over $1000 to insure that S1000RR for me even though my 150 hp K1200GT can splat my bod just as nicely and lacks the fancy electronics of the sportbike.

For me, if comprehensive was too high, I'd just cover that bit myself- but the I've never crashed a bike, had one stolen, etc etc and buy my stuff for cash so no folks holding a loan wanting to imdemnified against loss. My risk is by far liability- one accumulate assets as one ages so I make a better legal target than some broke student..

Do your homework

Farmers wanted $2,800/year for my spotless record on my 2011 K1300S while Markel only asked about $550.

Take your time shopping around and dont worry about the credit checks. Insurance companies use a "soft hit" check which isnt supposed to affect your credit score(provided that sort of thing matters to you).

Additional advice: Stay away from Dairyland I dont say this from some personal experience but from researching the National Insurance Commissioners complaint records for each company. You should do the same here http://www.naic.org/state_web_map.htm

Markle was cheaper than Progressive. $4100 instead of $4600. Still not going to do it. Markle was cheap on a K1300S, $1600. Well, managable anyway. $4100 is not going to do it. I cannot find a reputable insurance company (funny, I know) any lower than the $4100. I just cannot justify that cost...

USAA insures all of my vehicles for $2400 month.
The Daytona is one of the cheaper ones as I use it only for trackdays now; storage insurance when it's not on the track.
Good luck on finding decent insurance.

USAA insures all of my vehicles for $2400 month.
The Daytona is one of the cheaper ones as I use it only for trackdays now; storage insurance when it's not on the track.
Good luck on finding decent insurance.

I hope that is a typo. There are millions of Americans who live on less than that.

Last edited by PGlaves; 10-31-2012 at 04:44 PM.

Paul Glaves - "Big Bend", Texas U.S.A
"The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russellhttp://web.bigbend.net/~glaves/

It is my understanding that USAA doesn't insure motorcycles anymore, only those that were already on policy. They won't take anything new, even if you already have insurance with them for other vehicles.

It is my understanding that USAA doesn't insure motorcycles anymore, only those that were already on policy. They won't take anything new, even if you already have insurance with them for other vehicles.

Depends on where you live. I had a K75 insured with State Farm, liability and uninsured motorist coverage only in Kansas for $85 a year. We moved to far southwest rural as can be Texas. Same bike, same coverage, right at $500 per year. The agent said, "State Farm doesn't like to insure motorcycles in Texas. We had been with State Farm on cars, houses, and motorcycles for 40 years. We went with Farmers/Foremost on the House, the two cars, and the eight bikes.

Paul Glaves - "Big Bend", Texas U.S.A
"The greatest challenge to any thinker is stating the problem in a way that will allow a solution." - Bertrand Russellhttp://web.bigbend.net/~glaves/

Depends on where you live. I had a K75 insured with State Farm, liability and uninsured motorist coverage only in Kansas for $85 a year. We moved to far southwest rural as can be Texas. Same bike, same coverage, right at $500 per year. The agent said, "State Farm doesn't like to insure motorcycles in Texas. We had been with State Farm on cars, houses, and motorcycles for 40 years. We went with Farmers/Foremost on the House, the two cars, and the eight bikes.